Median Income
$93,750
25% higher than US avg
Home Value
$226,000
20% lower than US avg
Violent Crime
451/100K
19% higher than US avg
Bachelor's+
16.5%
51% lower than US avg
Median Rent
$827
29% lower than US avg
Obesity Rate
38.2%
19% higher than US avg
Unemployment
0.1%
97% lower than US avg
Poverty Rate
0.9%
93% lower than US avg
How Montgomery Compares to the U.S. Average (100% = U.S. avg)
People
Population1,184
Median Age46.1 yrs
Density731/mi²
Male / Female51% / 49%
Largest GroupWhite 97%
Veterans3.5%
Economy
A+
Median Income$93,750
Per Capita$35,920
Unemployment0.1%
Poverty0.9%
County GDP$2,274M
Commute22 min
Housing
A+
Home Value$226,000
Rent$827
Ownership85.5%
Zillow$174,954
Housing Units391
Rent Burden18.9%
Crime
F
Violent451/100K
Property5,208/100K
Health
Obesity38.2%
Uninsured8.4%
Smoking16.9%
Depression27.3%
Heart Disease5.5%
Climate
Avg Temp56°F (14°C)
AQI41 (Good)
Rain48.0 in/yr
Sunny Days293/yr
Elevation524 ft (160 m)
Education
C
Bachelor's+16.5%
High School+91.5%
Graduate+4.5%
School Score6.02
Community
2024 VoteR 81% / D 17%
Commute22 min
Broadband86.2%
EV Stations1
Libraries2
Is Montgomery a Good Place to Live?
Based on current data, Montgomery receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include above-average household incomes, low unemployment, affordable housing, abundant sunshine. Montgomery offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Montgomery is $93,750, 25% above the national average of $75,149. Residents generally enjoy above-average earning potential. The job market is very strong with unemployment at just 0.1%. Only 0.9% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 22 minutes.
Cost of Living & Housing
The median home value in Montgomery is $226,000, 20% below the national median / offering relatively affordable homeownership. Renters pay a median of $827 per month, below the national average / a plus for affordability. At just 2.4x median income, home prices are very affordable relative to local earnings.
Safety & Crime
The violent crime rate of 451 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 5,208 per 100,000, 166% above the national average.
Education
16.5% of residents hold a bachelor's degree, below the national average of 33.7%. 91.5% have completed high school. Area schools have an average test score of 6/10.
Climate & Weather
Montgomery enjoys a moderate climate with an average annual temperature of 56°F. Winters average 32°F in January while summers reach 77°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 48.0 inches, including 9.2 inches of snow. Air quality is rated Good with a median AQI of 41.
Montgomery has a population of 1,184 with a density of 731 people per square mile, spread across 0.2 square miles. The median age is 46.1 years, 19% older than the national median of 38.9. The gender split is 48.8% female and 51.2% male. The city is predominantly White (97.3%). English is the primary language spoken at home by 98.4% of residents. 3.5% of the population are veterans, below the national rate of 6.0%. 11.9% of residents have a disability. 94.5% have health insurance coverage.
Population
46.1yrs
Median Age
19% above US avg
Race & Ethnicity
Montgomery vs U.S. Average
Language Spoken at Home
English Only
98.4%
25% above US avg
Spanish
1.6%
88% below US avg
Social Characteristics
Montgomery vs U.S. Average
The median household income in Montgomery is $93,750, which is 25% above the national average of $75,149. Per capita income is $35,920. The average weekly wage is $955, 33% lower than the U.S. average. The unemployment rate is 0.1% (below the 3.6% US average). 0.9% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 978 business establishments, including 63 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 22 minutes (shorter than the 28-minute US average). 6.7% of workers work from home (below the 15.2% national rate).
Income: Montgomery vs U.S.
Income
| Median HH Income | $93,750 |
| 25% above US avg |
| Per Capita Income | $35,920 |
| Avg Weekly Wage | $955 |
| IRS Avg AGI | $70,620 |
| Gini Index | 0.416 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.1% |
| 97% below US avg |
| Poverty Rate | 0.9% |
| 93% below US avg |
| Establishments (County) | 978 |
| County GDP | $2,274M |
Business (County)
| Restaurants | 63 |
| Healthcare | 74 |
| Retail | 116 |
| Manufacturing | 112 |
Tax & Cost of Living
| Property Tax (IRS) | $2,847 |
| 19% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 1.26% |
Commute & Transportation
| Commute Time | 21.9 min |
| Drive Alone | 78.8% |
| Public Transit | 0.0% |
| Work from Home | 6.7% |
The median home value in Montgomery is $226,000, 20% below the national median of $281,900. Zillow estimates the typical home value at $174,954, lower than the Census estimate. Homes sell for 92.1% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $827 (29% below the national average of $1,163). Fair market rent ranges from $807 for a one-bedroom to $966 for a two-bedroom apartment. 85.5% of housing units are owner-occupied (above the 65.4% national rate). There are 391 total housing units in the city. The median year a home was built is 1976. The average annual property tax is $2,847 (lower than the $3,500 national average). 18.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.4x, well within the affordable range.
Home Values
| Census Median | $226,000 |
| 20% below US avg |
| Zillow ZHVI | $174,954 |
Real Estate Market (Redfin)
| $/Sq Ft | $168 |
| Homes Sold | 2 |
| Sale-to-List Ratio | 92.1% |
| Price Drops | 100.0% |
| Inventory | 1 |
Rental Costs
| Census Median Rent | $827 |
| 29% below US avg |
| Rent Burden | 18.9% |
HUD Fair Market Rent
| Studio | $802 |
| 1 Bedroom | $807 |
| 2 Bedrooms | $966 |
| 3 Bedrooms | $1,281 |
| 4 Bedrooms | $1,399 |
Ownership & Property
| Homeownership | 85.5% |
| Owner-Occupied | 85.5% |
| Renter-Occupied | 14.5% |
| Housing Units | 391 |
| Median Year Built | 1976 |
Property Tax
| Avg Tax (IRS) | $2,847 |
| 19% below US avg |
| Effective Rate | 1.26% |
In Montgomery, 38.2% of adults are obese, above the national rate of 32.1%. 9.8% have diabetes. Heart disease affects 5.5% of residents. 32.4% have high blood pressure. 16.9% are current smokers (above the 14.0% national rate). 19.5% report binge drinking. 24.3% are physically inactive. 27.3% report depression (above the 20.0% national average). 19.2% experience frequent mental distress. 8.4% of residents lack health insurance. The primary care physician ratio is 1:2,386. The dentist ratio is 1:3,342. 51.7% of residents have access to exercise opportunities. The food environment index is 8.3 out of 10.
Health Metrics: Montgomery vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.2% |
| 19% above US avg |
| Diabetes | 9.8% |
| Heart Disease | 5.5% |
| High Blood Pressure | 32.4% |
| Asthma | 11.3% |
| COPD | 7.1% |
| Cancer | 7.4% |
| Stroke | 2.8% |
Behaviors & Mental Health
| Smoking | 16.9% |
| 21% above US avg |
| Binge Drinking | 19.5% |
| Physical Inactivity | 24.3% |
| Depression | 27.3% |
| Mental Distress | 19.2% |
| Physical Distress | 13.3% |
| Short Sleep | 33.8% |
Healthcare Access
| Insurance Rate | 94.5% |
| Uninsured | 8.4% |
| 2% below US avg |
| Primary Care | 1:2,386 |
| Dentists | 1:3,342 |
| Mental Health | 1:1,086 |
| Checkup Rate | 76.3% |
| Dental Visits | 63.2% |
| Premature Death | 7,724/100K |
Food & Exercise
| Food Environment | 8.3/10 |
| Exercise Access | 51.7% |
| Healthcare Facilities | 74 |
Montgomery has a violent crime rate of 451 per 100,000 residents, 19% above the national average of 380. Property crime stands at 5,208 per 100,000, 166% above the U.S. average. The county recorded 6 fatal traffic crashes. Overall, Montgomery receives a safety grade of F.
Crime Rates: Montgomery vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 450.7/100K |
| 19% above US avg |
| |
Property Crime
| Total Property | 5,207.8/100K |
| 166% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 6 |
| Traffic Accidents | 4 |
| Avg Accident Severity | 2.5 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Montgomery enjoys a temperate climate with an average annual temperature of 56°F (14°C). Winters average 32°F in January while summers reach 77°F in July. The area gets 293 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 48.0 inches (wetter than the 38-inch national average). The area receives 9.2 inches of snow annually. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 524 feet.
Temperature
32°F Jan (0°C)
77°F Jul (25°C)
| Annual Average | 56.3°F |
| 4% above US avg |
| January Average | 32°F (0°C) |
| July Average | 77°F (25°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 524 ft (160 m) |
| Area | 0.2 sq mi (0.6 km²) |
| Population Density | 731/sq mi |
| Coordinates | 38.6648°N, 87.0494°W |
| Timezone | America/Indiana/Indianapolis |
| County | Daviess County County |
| Nearest Airport | Lawrenceville-Vincennes International (LWV)
31 miles away |
Precipitation & Snow
Annual Rainfall
48.0"
26% above US avg
Wettest Month (May)
5.16"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 58.8 / 100 |
| Social Vulnerability | 77.6 / 100 |
| Community Resilience | 40.0 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
54 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.2. Most recent: M2.6 on Aug 9, 2025.
| Apr 18, 2008 |
7 km NNE of Bellmont, Illinois |
M5.2 |
77 km |
| Apr 18, 2008 |
9 km NNE of Bellmont, Illinois |
M4.7 |
75 km |
| Jun 18, 2002 |
6 km SW of Parkers Settlement, Indiana |
M4.6 |
96 km |
| Apr 21, 2008 |
7 km NNE of Bellmont, Illinois |
M4.0 |
76 km |
| Dec 7, 2000 |
7 km W of Evansville, Indiana |
M3.9 |
93 km |
| Jan 24, 1990 |
6 km WNW of Alton, Indiana |
M3.9 |
76 km |
| Jun 17, 2021 |
Illinois-Indiana border region |
M3.8 |
131 km |
| Jan 27, 1990 |
6 km N of Alton, Indiana |
M3.8 |
76 km |
| Nov 11, 1991 |
3 km W of Flat Rock, Illinois |
M3.8 |
63 km |
| Sep 19, 2017 |
4 km N of Bellmont, Illinois |
M3.8 |
80 km |
| Apr 25, 2008 |
8 km NNE of Bellmont, Illinois |
M3.7 |
76 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
109 km |
| Nov 20, 2012 |
7 km N of Bellmont, Illinois |
M3.6 |
78 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
125 km |
| Jun 5, 2008 |
8 km WNW of Mount Carmel, Illinois |
M3.4 |
73 km |
| May 30, 2015 |
4 km ENE of Geff, Illinois |
M3.4 |
116 km |
| May 1, 2008 |
8 km NNE of Bellmont, Illinois |
M3.3 |
74 km |
| May 13, 2025 |
7 km SSW of Lerna, Illinois |
M3.3 |
135 km |
| May 10, 2012 |
0 km NW of Emison, Indiana |
M3.1 |
39 km |
| Dec 16, 1996 |
3 km NNE of Terre Haute, Indiana |
M3.1 |
98 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
484 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 43 fatalities, 676 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
71 km |
6 |
| Mar 2, 2012 |
EF4 |
79 km |
11 |
| Jun 2, 1990 |
EF4 |
43 km |
6 |
| Jun 2, 1990 |
EF4 |
47 km |
1 |
| Jun 2, 1990 |
EF4 |
70 km |
0 |
| Jan 7, 1989 |
EF4 |
67 km |
0 |
| Mar 31, 2023 |
EF3 |
76 km |
2 |
| Mar 31, 2023 |
EF3 |
92 km |
6 |
| May 25, 2011 |
EF3 |
63 km |
0 |
| Mar 8, 2009 |
EF3 |
44 km |
0 |
| Nov 15, 2005 |
EF3 |
7 km |
0 |
| May 30, 2004 |
EF3 |
56 km |
1 |
| Sep 20, 2002 |
EF3 |
73 km |
0 |
| Nov 22, 1992 |
EF3 |
94 km |
0 |
| Nov 22, 1992 |
EF3 |
74 km |
0 |
| Jun 2, 1990 |
EF3 |
83 km |
0 |
| Jun 2, 1990 |
EF3 |
2 km |
0 |
| Apr 3, 1989 |
EF3 |
68 km |
0 |
| Mar 10, 1986 |
EF3 |
91 km |
0 |
| Apr 3, 1974 |
EF3 |
66 km |
1 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
13 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (1,547 ac, 2021).
| Year |
Name |
Acres |
Distance |
| 2021 |
UNNAMED |
1,547 |
85 km |
| 2017 |
UNNAMED |
1,336 |
80 km |
| 2019 |
UNNAMED |
1,057 |
81 km |
| 2021 |
UNNAMED |
959 |
80 km |
| 2014 |
UNNAMED |
910 |
77 km |
| 2016 |
UNNAMED |
898 |
85 km |
| 2019 |
UNNAMED |
892 |
77 km |
| 2024 |
LONG RUN RX |
774 |
78 km |
| 2010 |
FORK RIDGE RX |
697 |
82 km |
| 2010 |
RICEVILLE RX |
671 |
52 km |
| 2019 |
UNNAMED |
670 |
82 km |
| 2019 |
UNNAMED |
584 |
78 km |
| 2010 |
ROCKHOUSE HOLLOW RX |
581 |
79 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
32°F (0°C) |
2.7 in |
Coldest, Driest |
| February |
34°F (1°C) |
2.7 in |
|
| March |
44°F (7°C) |
4.3 in |
|
| April |
54°F (12°C) |
4.2 in |
|
| May |
64°F (18°C) |
5.2 in |
Wettest |
| June |
73°F (23°C) |
4.1 in |
|
| July |
77°F (25°C) |
4.8 in |
Warmest |
| August |
75°F (24°C) |
3.8 in |
|
| September |
68°F (20°C) |
3.1 in |
|
| October |
57°F (14°C) |
3.2 in |
|
| November |
45°F (7°C) |
4.2 in |
|
| December |
35°F (2°C) |
3.4 in |
|
Montgomery has a seasonal temperature swing of 45°F / from 32°F in January to 77°F in July. Total annual precipitation is 45.6 inches, with May being the wettest month (5.2") and January the driest (2.7").
Average costs for common services in Montgomery. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$233 ($140–$373) |
| Specialist Visit |
$327 ($187–$513) |
| Urgent Care Visit |
$187 ($93–$327) |
| Emergency Room Visit |
$2,053 ($746–$4,665) |
| Dental Cleaning |
$121 ($70–$187) |
| Dental Filling |
$233 ($140–$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($47–$112) |
| Brake Pad Replacement |
$280 ($140–$467) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$560 ($373–$933) |
| Battery Replacement |
$187 ($93–$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$140) |
| Electrician (Per Hour) |
$84 ($47–$131) |
| HVAC Repair |
$373 ($140–$746) |
| HVAC System Install |
$6,531 ($3,732–$11,196) |
| Roof Repair |
$933 ($373–$1,866) |
| Roof Replacement |
$8,397 ($5,132–$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467–$3,266) |
| Divorce (Contested) |
$13,995 ($4,665–$27,990) |
| DUI Defense |
$4,665 ($1,866–$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746–$2,799) |
| Will Preparation |
$467 ($187–$933) |
| Trust Preparation |
$2,333 ($933–$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$140 ($70–$233) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$61) |
| Massage (1 Hour) |
$75 ($47–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80–$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33–$4.67) |
| Loaf of Bread |
$3.55 ($2.33–$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80–$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73–$7.00) |
| Rice (per lb) |
$0.93 ($0.56–$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75–$233) |
| Natural Gas (Monthly) |
$65 ($28–$140) |
| Water/Sewer (Monthly) |
$65 ($37–$112) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$61 ($28–$93) |
| Cable TV (Monthly) |
$79 ($47–$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70–$467) |
| Car Insurance (Annual) |
$1,866 ($1,120–$3,266) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46–$23) |
| Car Registration (Annual) |
$93 ($28–$233) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560–$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467–$1,866) |
| After-School Care (Monthly) |
$373 ($187–$653) |
| Tutoring (Per Hour) |
$47 ($23–$93) |
| SAT/ACT Prep Course |
$933 ($373–$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665–$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($47–$187) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$280 ($140–$467) |
| Cat Spay/Neuter |
$187 ($93–$373) |
View all 9 services
Frequently Asked Questions About Montgomery
What is the population of Montgomery?
Montgomery has a population of 1,184 residents and is located in Indiana. The population density is 731 people per square mile, spread across 0.2 square miles. The median age of residents is 46.1 years, which is older than the national median of 38.9 years. The population is 48.8% female and 51.2% male.
Is Montgomery expensive to live in?
Montgomery is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $93,750, 25% above the national average of $75,149. The median home value is $226,000 (20% below the U.S. median). Renters pay a median of $827 per month, below the national average of $1,163. The home price-to-income ratio is 2.4x, indicating housing is reasonably affordable relative to local income levels.
Is Montgomery safe?
The violent crime rate in Montgomery is 451 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 5,208 per 100,000 (above the national average). Overall, Montgomery receives a safety grade of F based on combined crime data.
What is the weather like in Montgomery?
Montgomery enjoys a temperate climate with an average annual temperature of 56°F (14°C). Winter temperatures average 32°F in January, while summers reach an average of 77°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 48.0 inches, with 9.2 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Montgomery?
The job market in Montgomery is very strong, with unemployment at just 0.1% / well below the national rate of 3.6%. The average weekly wage is $955. There are 978 business establishments in the area, including 63 restaurants and food service locations. The average commute time is 22 minutes, and 6.7% of workers work from home.
How much does housing cost in Montgomery?
The median home value in Montgomery is $226,000. Zillow estimates the typical home value at $174,954. For renters, the median monthly rent is $827. Fair market rent is $807 for a 1-bedroom and $966 for a 2-bedroom apartment. The homeownership rate is 85.5%. The average annual property tax is $2,847.
How are the schools in Montgomery?
Schools in Montgomery score 6 out of 10 on standardized testing, near the national average. 16.5% of adults in Montgomery hold a bachelor's degree or higher, below the national average of 33.7%. 91.5% have completed high school. 4.5% hold a graduate or professional degree.
How healthy is Montgomery?
The obesity rate in Montgomery is 38.2% (above the national rate of 32.1%). 16.9% of adults are smokers. 24.3% are physically inactive. 27.3% of residents report depression. 8.4% lack health insurance. 51.7% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,386.
What is transportation like in Montgomery?
The average commute in Montgomery is 22 minutes, shorter than the national average of 28 minutes. 78.8% of workers drive alone to work, and 6.7% work from home.
What are the demographics of Montgomery?
The racial and ethnic makeup of Montgomery is 97.3% White. 98.4% of residents speak only English at home. 3.5% of the population are military veterans. 11.9% of residents have a disability. 94.5% have health insurance coverage.
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